The Everything Budgeting Book
Practical Advice for Saving and Managing Your Money - from Daily Budgets to Long-term Goals
3rd Edition
Published on 4. October 2013
304 pages
978-1-4405-6777-3 (ISBN)
Description
A step-by-step plan for creating a budget that makes every dollar count!
Are you looking for practical ways to stretch your paycheck? Between working and maintaining a home, saving money can be difficult, but with The Everything Budgeting Book, 3rd Edition, you'll learn to use your money wisely today and prepare for tomorrow.
This step-by-step guide shows you how to:
Whether you're saving for a house, a child's education, or a new car, The Everything Budgeting Book, 3rd Edition will help you meet your financial goals. With this essential guide, you can stop living paycheck-to-paycheck and start enjoying the wealth you didn't even know you had.
Are you looking for practical ways to stretch your paycheck? Between working and maintaining a home, saving money can be difficult, but with The Everything Budgeting Book, 3rd Edition, you'll learn to use your money wisely today and prepare for tomorrow.
This step-by-step guide shows you how to:
- Improve spending patterns.
- Save on everyday expenses.
- Keep finances in order.
- Prepare for unexpected events.
- Plan for the future.
Whether you're saving for a house, a child's education, or a new car, The Everything Budgeting Book, 3rd Edition will help you meet your financial goals. With this essential guide, you can stop living paycheck-to-paycheck and start enjoying the wealth you didn't even know you had.
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Tere Stouffer
The Everything Budgeting Book
Practical Advice for Saving and Managing Your Money-From Daily Budgets to Long-Term Goals
Book
10/2013
3rd Edition
Adams Media Corporation
€38.56
Article exhausted; check different version
Tere Stouffer
The "Everything" Budgeting Book
Practical Advice for Spending Less, Increasing Savings, and Having More Money for the Things You Really Want
Book
03/2008
2nd Edition
Adams Media Corporation
€32.37
Article exhausted; check for reprint
Previous edition
Tere Stouffer
The Everything Budgeting Book
Practical advice for spending less, increasing savings, and having more money for the things you really want
E-Book
02/2008
1st Edition
Everything
€2.96
Available for download
Person
Tere Stouffer is the author of The Everything Budgeting Book, 2nd Edition, and is an award-winning author of more than a dozen books. Her budgeting and personal finance skills have been featured on the BBC, in More magazine, and in many newspapers and websites. She lives in Knoxville, Tennessee.
Content
- Intro
- Title Page
- Dedication
- Contents
- Top 10 Reasons to Budget in Today's Economy
- Introduction
- Chapter 1: What Is Budgeting-and Why Do You Need to Do It?
- Realize What a Budget Is
- Recognize What a Budget Isn't
- Understand Financial Goals
- Look at a Sample Budget
- Think about Your Long-Term Financial Goals
- Chapter 2: Prioritize Your Spending
- Why Not Spending Is the Key to Budgeting
- Total Your Daily Expenses
- Categorize and Prioritize Your Daily Expenses
- Assess Your Monthly Expenses
- Categorize and Prioritize Your Monthly Expenses
- Prioritize What You Spend Money On
- Chapter 3: Assess Your Current Financial Situation
- Your Financial Situation Is Important
- Determine Your Income and Other Assets
- Calculate Your Financial Obligations
- Put Your Income and Financial Obligations Together
- Identify Potential Cash-Flow Problems
- Take a Break if You Need It
- Chapter 4: Create a Livable Budget
- Make Your Financial Goals a Reality
- Spend Less Than You Make
- Spend Money Only on Budgeted Items
- Save for Unexpected Expenses
- Revisit Your Goals and Priorities
- Generate a Budget You Can Stick To
- Chapter 5: Freeze Your Spending for the Short Term
- What Freezing Really Means
- Reduce Temptation During a Freeze
- Establish What's Really a Need
- Put Away Your Credit Cards
- Tuck Away Your Debit Card
- Create a Wish List
- Chapter 6: Save Money on Food
- Prepare Your Own Meals
- Don't Let Perishables Go Bad
- Brown-Bag It
- Save at Coffee Shops
- Use Coupons and Get Discounts
- Get the Lowest Grocery Prices
- Grow a Garden, Even a Small One
- Throw a Budget-Friendly Party
- Chapter 7: Cut Your Expenses at Home
- Turn the Thermostat Down (or Up)
- Get Your Books and Movies from the Library
- Cut Cable and Phone Cords
- Shop Around for Car Insurance
- Avoid Extended Warranties
- Buy Reliable, High-Quality Products
- Shop Online Auctions, Tag Sales, and Resale Shops
- Reduce Gift Expenditures
- Avoid Dry-Cleaning
- Take Cheaper Vacations
- Chapter 8: Reduce Your Biggest Expenses
- Move to a Smaller House or Apartment
- Buy a House Instead of Renting
- Renting Instead of Buying
- Rethink Your Ideas about Transportation
- Change Jobs
- Chapter 9: Restructure a Heavy Debt Burden
- How Debt Is Restructured
- Get Credit Counseling
- Consolidate Your Debt
- Sell Some Assets
- Declare Bankruptcy
- Chapter 10: Refinance Your Home and Tap Your Equity
- Understand Equity
- Refinance Your Home to Lower Your Payments
- Refinance Your Home and Take Out Equity
- Qualify for Refinancing
- Avoid Escrow
- Understand Home Equity Lines of Credit
- Chapter 11: Add Income
- Recognize What Additional Work Can Mean for You
- Change Jobs
- Get a Second Job
- Work Overtime
- Freelance for Your Own Company
- Start a Small Business
- Chapter 12: Survive Unemployment
- Sort Out Severance Packages and Unemployment Insurance
- Lock in Your COBRA-Defined Coverage
- See to Your Other Insurance Needs
- Pare Your Expenses Down to the Bone
- Look for a Job as Soon as Possible
- Start a Consulting Firm or Small Business
- Hold Down a Couple of Part-Time Jobs
- Consider Another Geographic Location
- Chapter 13: Stick to Your Budget in an Emergency
- If Your Car Breaks Down
- If You Incur Extensive Household Expenses
- If Family Medical Bills Overwhelm You
- If You Become Sick or Disabled-Even Temporarily
- If You Lose Your Job
- If a Friend or Family Member Needs Assistance
- If a Natural Disaster Strikes
- Chapter 14: Bounce Back: Recover from Financial Disaster
- You've Lost Your Home
- All Your Possessions Were Destroyed
- Your Line of Work No Longer Exists
- You've Lost or Spent Your Child's College Fund
- You've Lost or Spent Your Retirement Portfolio
- Chapter 15: Get Government Help-There Actually Is a Free Lunch!
- Use Government Food Programs
- Locate Housing Opportunities
- Apply for Insurance
- Get on TANF (Temporary Assistance for Needy Families)
- Apply for Government Loans and Grants
- Request Bankruptcy Protection
- Chapter 16: Marriage or Moving In: Budget for Two
- Don't Let Love Overshadow Finances
- Before You Move In: Discuss Finances
- Decide Where to Live
- Choose Between Single and Joint Accounts
- Find Compromise in Different Approaches to Finances
- Create a Two-Person Budget
- Chapter 17: Change Your Budget for a New Baby
- Make Time to Think about Your Future
- Estimate Expenses for Your New Baby
- Create a Nine-Month Savings Budget
- Choose a Daytime Care Provider
- Live on One Income
- Create a Budget for Your New Family
- Chapter 18: Change Your Budget to Include a New House
- Figure Out the Financing Details
- Calculate Your Costs
- Choose Your Mortgage Length
- Review Your Interest-Rate Options
- Shop for Your New Home
- Sell Your Existing Home
- Plan for Unexpected Household Expenses
- Create a Budget That Includes Your New Home
- Chapter 19: Save Money for College
- Understand College Costs
- Determine How Much You Can (or Want to) Help Out
- See How Much You Can Save
- Take Advantage of Government-Sponsored Savings Plans
- Find Other Ways to Pay for College
- Create a Budget That Includes College Expenses
- Chapter 20: Budget Through a Separation or Divorce
- Keep a Level Head During a Difficult Time
- Split One Household Into Two
- Keep Expenses Under Control During the First Year
- Hire (and Budget for) Legal Counsel
- Understand Alimony and Child Support
- Take Time Before Committing to Another Relationship
- Create a Single-Again Budget
- Chapter 21: Change Your Budget After Age Fifty
- Manage Care of Your Aging Parents
- Determine How Much You Want to Assist Your Grown Children
- Decide Whether to Help Your Grandchildren Financially
- Do More for Yourself
- Assess Your Retirement Income and Expenses
- Create a Fifty-Plus Budget
- Chapter 22: Save for Retirement
- Figure Out How Much You'll Need
- Find Ways to Set Money Aside Now
- Look at Tax-Deferred Ways to Save
- Let Your Employer Help You
- Invest on Your Own
- Start Young
- Make Up for Lost Time
- Chapter 23: Stay Motivated
- Stick with Your Budget Through Thick and Thin
- Make Motivational Signs
- If You Blow Your Budget-Get Back on Track
- Find Sneaky Ways to Spend Money
- Build a Support Network
- Review Your Budget Periodically
- Appendix A: Debt-Restructuring Resources
- Appendix B: Online Budgeting Tools
- Acknowledgments
- Copyright
- Tables
